when it comes to credit, spend within your limit. that is all.
credit limit only helps in case you really need to spend big to pay something urgently.

btw, alot of ppl are misinformed about ccris. ccris does not do any credit rating. it just gather all the loans and credit card you have and provides a report. when it comes to rating, credit agency like ctos is the one who will give the rating. banks often have own rating but they also will check credit agency rating for comparison.

This post has been edited by O-haiyo: Apr 22 2019, 03:24 PM